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Whether you are cruising Iowa’s Scenic Byways or crossing the Hawkeye State on I-80 or I-35, one thing is certain. Auto insurance is required in the state of Iowa and The General® has you covered. The General® offers low cost auto insurance even if you have violations on your driving record, have never been insured, let your policy lapse, or had your license suspended or revoked.

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Below is some information that should help answer some of the more common questions we receive from our Iowa customers.

Iowa Mandatory Coverages

The minimum liability you are required to carry by law is $20,000 per person for bodily injury, $40,000 per accident and $15,000 to cover other’s property damage. When applying for liability coverage in Iowa, you will have the option to purchase coverage for Uninsured and Underinsured Motorist Bodily Injury. Both can be rejected in writing.

  • Bodily Injury Liability: $25,000 per person and $40,000 per accident
  • Property Damage Liability: $15,000 per accident

Frequently Asked Questions Regarding Iowa Auto Insurance

What does Uninsured/Underinsured Motorist cover?

Uninsured/Underinsured Motorist pays you or your passengers for medical, rehabilitation, and funeral costs. It also pays settlements of lawsuits resulting from an accident caused by an uninsured, underinsured or hit-and-run motorist

What is SR22 Insurance?

SR22 is a document often required by a state’s Department of Transportation (DOT) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.

SR22s are typically needed for a driver to reinstate their driving privileges after an offense such as a DUI conviction or uninsured auto accident. Drivers who do not own a vehicle but still wish to reinstate their driving privileges may need to provide a non-owner SR22 policy.

How do I request a Motor Vehicle Record (MVR)?

Records may be researched by vehicle identification number, name, title number and license plate number. However, requests are only accepted in writing, by fax or in person.

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Iowa Department of Insurance
Iowa Department of Transportation
Iowa State Patrol
The Official Website of the State of Iowa